Bonus is back, doesn’t look good for the bigger bonuses making a return. Hat tip to reader Curm.

Offer at a glance

Maximum bonus amount: $200/$250 with referral

Availability: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX. Note that opening online doesn’t seem to work in some areas, according to some, you need to live within 50 miles of a branch. [Branch locator]

The Offer

Receive a bonus of $200 when you open a new Regions Bank checking account and complete the following requirements:

E-mail yourself a voucher if opening by phone/in branch otherwise use the promotional code 200D17Q4 online (probably a good idea to e-mail yourself a voucher due to some of the wording in the fine print)

Make $500 or more in qualifying direct deposits such as payroll or government benefits

Enroll in Online Statements through Online Banking (within 60 days of account opening)

You may be able to get another $50 by using a referral link (see below)

The Fine Print

Our goal is to be your new bank. We think that once you bank with us, you will experience our award-winning customer service and become a long term customer. We reserve the right to terminate this offer without notice at any time in the event of any suspected or actual abuse or fraud.

Offer valid in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas. Present a personalized voucher with applicant’s name and registered email address in order to open in branch. This offer is non-transferable, may not be combined with any other offer, does not apply if you have or had an ownership interest in a Regions checking account on or after 10/1/2016 only applies to personal LifeGreen checking accounts, and may be withdrawn at any time without notice. To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements and will be in the form of a credit to the new checking account which must be open at the time the credit is issued.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Regions offers six LifeGreen checking accounts. One applies only to ages 62+, one applies only to students, and one has a $5 non-waive-able fee, leaving three. Of the three, the eAccess Account is the easiest to waive the fee on, given the requirements of this bonus, though the LifeGreen Checking account will also work.

LifeGreen eAccess Account, $8 Monthly Fee

The monthly fee goes from $8 to $10 if you opt for paper statements instead of online statements, but this bonus requires you to opt for online statements. The monthly fee is waived if you make 10 or more Regions CheckCard purchases per statement cycle.

LifeGreen Checking, $8 Monthly Fee

The monthly fee goes from $8 to $10 if you opt for paper statements instead of online statements, but this bonus requires you to opt for online statements. The monthly fee is waived if you do any of the following:

Receive a single ACH direct deposit, such as a recurring payroll or government benefit deposit, of at least $500, OR

Receive multiple ACH direct deposits, such as a recurring payroll or government benefit deposit, with a total combined amount of at least $1,000, OR

Have an average monthly balance of $1,500 or more (this is presumably calculated using a daily average and is not the same as a minimum monthly balance)

LifeGreen Preferred Checking, $18 Monthly Fee

The monthly fee of $18 is waived if you meet any of the following:

$5,000 average monthly balance, OR

Combined minimum deposit balances from all of your Regions checking, savings, money markets, CDs and IRAs of $25,000, OR

Any first-lien home mortgage with Regions in any amount and in good standing (excluding home equity loans and home equity lines of credit, and construction, manufactured housing and business loans)

Regions notes that the balances for the middle two requirements are determined at the beginning of the last day of your checking account statement period. (They also note that “good standing” means you are not past due or in default under your credit agreement, but hopefully everyone already knows that!).

Early Account Termination Fee

There is an early account closure fee of $25 if you close your account within 180 days of account opening.

Referral Bonus $50

There is also a referral bonus you can receive in addition to this $200 bonus (bringing the total to $250). This has worked in the past, but it is no guarantee to work this time around. Feel free to share yours in the comments below.

Our Verdict

They have offered recent bonuses of $300/$350 & 400/$450 so this bonus is significantly worse. Before that $200/$250 was fairly standard. We can only hope that the larger bonuses come back in the near future. Because those larger bonuses were so recently offered and the fact you usually need to wait a year+ before getting the bonus again I don’t consider this one of the best checking sign up bonuses currently available.

This looks like posting double referral links to me which is one of Docs listed complaints. Also, replying to early comments to jump all the other links with your own. Two strikes in one post. Good going Kev.

Updating the link to comply with the new rules and adding a data point is only contributing. I half exceptés Will to come back through and clear the bit.ly links from this thread even though it was active before the last post.

I still haven’t received my bonus from the $400/ $450 offer…I’ve completed all requirements, and I know it says 120 days, but on the other thread I saw reports of bonuses posting within a couple of days of meeting requirements. Anyone else in that boat?

This was the same for me. I contacted Regions and asked them to a) confirm that my account had the bonus, and b) that I have met the requirements. Because the bonus pays out so much later than the deadline, I wanted to make sure.

They answered a) Yes, I signed up under the promo code for $400. But for b) they just restated that I should review the requirements and verify I have met them.

The part that concerns me is the card purchases. I know I made more than 10, but I am not sure if some code as pinless debit or credit or if it matters. I guess I will see. I am not out any money, but I also don’t want to go through the hassle for nothing 🙂

I upgraded from the $300 and still haven’t received it (my partner started with the $400 and hasn’t either); however, I had that confirmed before I completed the requirements for the $300 bonus. If that makes a difference.

How often can we repeat these offers from Regions? I had it last year and closed the account Dec 2016.
Also, just a data point, bonus posted quickly and I managed to get the $50 bonus in addition by registering for it after getting my $200 bonus.

For a personal LifeGreen checking account:
Complete the entire ReferLive process, AGREE to the Terms and Conditions, AND
Open a new Regions personal LifeGreen checking account with a Regions Visa CheckCard within 90 days of the initial email communication or the social media communication initiated by you through the official means of the program, AND
Keep new account open and in good standing for at least 60 days, AND
Complete all of the following within 60 days after account opening:
Have at least (1) one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit.), AND
Complete at least 10 Visa CheckCard purchases that post to the account, AND
Sign up for Online Banking with Online Statements. (A Social Security or Taxpayer Identification Number is needed for enrollment. Personal account holders may visit a branch to determine if they are eligible for alternative enrollment methods if they do not have a Social Security or Taxpayer Identification Number.)

Do you need to be a resident of these states? (For regions and in general for all of these state-specific bank offers) I will definitely be able to go in a Regions branch and hopefully a few other banks on my road trip coming up.

My SSN ends with 000 so the online app thinks it’s invalid. No other bank ever had this issue. If I change the last 0 to a 1 it will work which of course I’m not going to do. If I open it by phone can I do CC funding? I want to put the 2k on CSR. I’m so annoyed right now.

Much obliged. $50 visa gift card referral bonus which will be sent after you open your new regions checking account and satisfy the DD requirements as mentioned in this Doc’s thread. Please make sure you open the account first and then fill out my referral form.

Thank you in advance, would appreciate if at least (1) person use my referral code.
$50 visa gift card referral bonus which will be sent after you open your new regions checking account and satisfy the DD requirements as mentioned in this Doc’s thread. Please make sure you open the account first and then fill out my referral form.

Has anyone received a 1099-INT from Regions regarding this bank bonus? I talked to my local branch and the toll free customer service. They cannot find any 1099-INT info for my $200 bank bonus. I thought bank bonuses are usually considered as interest and will be reported to IRS…???

Thx William! You said it may need to be within 50 miles of a branch. I just happen to live at 48 miles away from a branch. Is it necessary to open the account at this branch or I can go any other ones?

Chase Sapphire Preferred wife’s card, set cash advance limit to $20. Card declined for this and PNC. Called my wife the next day to ask about fraud. So, not sure whether it was coding as cash advance or being flagged as fraud. Would I gain anything by sending a secure message to Chase to clarify? Or is that not going to help me and shine a light on the bank account funding? Thanks for any tips. Found this site last month and now visit daily.

I have not seen any comments on this, so figured I would share. I was able to fund $3000 CC on Chase Reserve card by opening checking account and 2 different savings accounts (Regions LifeGreen Savings account & Regions Savings account). THey also have 4 different checking accounts, although each has monthly fees that are avoidable. Max $1000 CC funding per account means you could easily fund 6k if you opened all of those accounts. For me all coded as purchase, so that accounted for 3k of the 4k spend requirement to get the 100k UR points. Did the same thing for my wife as well 😉

Opened account online. I think the cc funding posted to account within 2-3 days. I did 3 separate $1000 fundings, and then transferred $500 to the checking account that required $1500 balance to avoid monthly fees, and left $300 in the savings account that had that as a minimum balance to avoid fees, and then withdrew the rest (except I left $100 in the other savings account that didn’t have a minimum balance).

This was such an easy deal that once I get my bonus I plan to cancel these accounts so I can do the same thing again in the future when I need to meet a spend requirement for a CC bonus.

Make ten (10) Visa® Check Card purchases, AND
Have at least (1) one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit.), AND
Sign up for Online Banking with Online Statements which requires you to either: have a Social Security or Taxpayer Identification number, or use alternative enrollment procedures available by visiting a branch.

Additional referral requirement:
1. Have at least (1) one $300 or more ACH direct deposit (such as a reoccurring payroll or government benefit deposit.), AND
2. Complete at least 10 Visa CheckCard purchases that post to the account, AND
3. Sign up for Online Banking with Online Statements.

I had the same experience as Mimi. Received my $400 bonus soon after completing requirements but my DW has not received hers yet even though we upgraded within a day of each other. I sent an email to Regions and was told that I had met the requirements and would receive the bonus within 120 days. Hopefully it will show up. My referral link is:

use chuck’s updated new link to apply for 200 bonus: Open any LifeGreen® checking account by June 30, 2017 (Open online using promo code 200D17Q2 OR present personalized voucher in branch), also you can use my refer link below for EXTRA $50 if you like.
I confirmed with banker, yes, you can get 200 and 50 if you can fulfill the terms.

The promo code in the description needs to be updated, as per comment above, it is now 200D17Q2.

I tried going for this but they strictly require the credit card for your funding to have the same billing address you use to open the account so heads up. This was a problem because my billing address is PO box, not allowed and out of area for opening the account, so I couldn’t do any MS, rats. Even changing the billing address on my card for this one transaction didn’t work, maybe it didn’t update instantly, in any case Regions couldn’t “verify” the card.

Looks to me that the requirement to “Enroll in Online Statements through Online Banking (within 60 days of account opening)” has been removed. However, the referral program stills lists it as a requirement.

Rejoined after 18 months away today. Website won’t allow previous customers to join online. Called and after a long hold got one person who put me on hold again to speak with a person to open an account over the phone. I was assured that I could fund with a credit card this way as well as you can online. Rep said that these is no place to enter a voucher code for the promo, but my email address should suffice to activate it.

Hey DoC! Happy to say the deal is back for Q3!
Link is nasty from Facebook, sorry! Not sure how to access the direct link otherwise and this may even reroute you… But the promo code required is 200S17Q3

If you do the referral program too, it requires at least ONE $300+ DD. Ten $50’s won’t do it.

I usually recommend zeroing the balance at the beginning of the statement cycle, then send a secure message after the transaction has cleared. They won’t charge you a fee for the final month when you close the account mid-statement cycle. I usually SM saying “Provided there isn’t a fee to do so, please close this account.” And, I request written confirmation of account closure. Good luck!

“Note that opening online doesn’t seem to work in some areas, according to some, you need to live within 50 miles of a branch.”

I opened mine on vacation in FL, in-branch, and using an out-of-state DL & address. Of course, that takes away the joy of the CC funding, and adds the fun of sitting at a desk with a nosey banker for 30 mins.

You select a “referlive” link above. Fill out your information, and submit it. That registers you for the $50 referral.

I registered mine in May, and the gift card e-mail I got said:

“Get a $50 Visa® Reward Card
After you open a NEW REGIONS personal LifeGreen® checking account and fulfill all requirements of the offer! Dear…, Don’t forget to open a new personal LifeGreen® checking account at Regions Bank to take advantage of this great $50 Visa® Reward Card offer.

You may choose to open your account:
Online at http://regions.com/open
By phone at 1-800-REGIONS
In a branch, click here to locate a branch near you”

The link in the response e-mail is not referral or attached to a code, so it doesn’t matter how you open your account. Ignore the e-mail – it is just a reminder, then go after the $200 promo.

Then, within 90 days, you open an account, online, phone, in-branch, and do the $200 promotion. Presumably with the same info – address, e-mail, and phone.

I believe at sometime during the month, they match up that those that registered for the gift card to their new accounts, ensure you meet the requirements, and probably about a month or so later, they send out the gift cards.

I signed up for the $50 Gift Card in May using someone’s link above (don’t recall which), opened the account in June, met the requirements in July, and expect to get my gift card in August or Sept I imagine. Nothing about bank bonuses and promotions is quick money with Regions, but I can wait.

Funded with Wells Fargo’s Cash Wise $1000.00 each checking and saving
Charges (1k each separate transaction) is still pending, cash advance limit not affected, so hopefully will go through as a purchase.
Will post update once the charges are posted

Update :
Credit card funding using Well’s Fargo’s Cash Wise did not trigger cash advance.
However, I can not add Region’s checking into my Well’s Fargo’s Checking to proceed with (hopefully)DD… Added to all other banks I have, but this one…

My routing number is not the same as yours, it is different apparently from state to state ?and routing number for my saving is different as well.
Its hard to typo when copy and paste, there is something going on there, I spoke to numerous CSReps from WF, the last one said my Regions checking simply do not qualify for ACH with WF… I highly doubt it is the truth, but I have had no luck so far to contact WF’s CSR who is knowledgeable or smart enough to comprehend the issue.. There were suggestions to clear cookies, cash, use other browser, type in info, copy in info, and so on and so forth; done and done and done and done…
I hope I Barclays will trigger DD, that is my only hope at this point.

You are correct about the ACH number being different from state to state – I was mistaken. However, I think any state routing numbers will work. To prove my point I added the Louisiana Regions bank routing number and my account number to my external accounts on Wells Fargo just now. RTN: 065403626 & 10 digit account number from my account. Trial deposits sent. See you in two days.

I have seen where the Netspend cards won’t add to some banks, and Insight prepaid, and even had PNC not take my U.S. Bank Routing number. I feel your pain. I didn’t feel like calling either bank about it so I gave up and used an ancient form of writing – wrote a check.

Oh, and some banks get picky about accepting ACH to and from savings. So, I would not use that one. Has to do with reg D and them trying to make sure you don’t break the law… lol. I did not open a savings with Regions.

OK… so this is where it gets very weird !
I used YOUR routing number and WF took it (with my account# of course).
According to my OWN Regions website(when I log into my account) it it is NOT the routing for my checking account.
However, I have no hard proof of MY REAL routing number since I never ordered the checks.
Will see in a few days the trial deposits and such, I guess?

Also, I never succeeded with adding Regions into WF, it gives error most of the time no matter what routing I use ( I used all the states available!), once it almost did it but then next day account disappeared from the list of transferable accounts, weird stuff !

No, I have not. But, I also haven’t got my bonus for being referred yet. I e-mailed ReferLive, only asking about my bonus for being referred, and I got the “checks in the mail” speech, in 4-6 weeks. I wish Regions had the ability to login to verify referrals like First Tennessee does.

Just an FYI – The offer voucher I emailed to myself looks like it’s requiring me to visit a branch to open the account. The online system won’t let me register due to being an “existing customer”. That is related to an account I closed over 18 months ago.

I wish there were more DPs on what counts as DD, how much time, although I see lot of people here who have opened accounts since March. Hope these good folks can share their DP. I am planning to open 3 family accounts next week, but without solid DPs it is a tossup!

All 10 referral spots open if anyone will use my referral. I got in on the $400 offer they ran for a week around Christmas, but… I only made 9 debits so they wouldn’t give me the bonus. My messup – 1 debit more and I got $400.

Oh well, my fault. Good luck to you – this offer will get you $250 + $50 goes to me.

Just applied for a LifeGreen eAccess checking account with this promo and used a referral from this page prior. I was unable to open the account online (I am more than 50 miles from a branch in MO and got an error). I was, however, able to open the account over the phone. The rep verified that the promo attaches electronically to your account when you open the account with the same email address you used to send yourself the promo voucher. I was able to fund $1000 with my Chase United Business card (at least I think… the account funds are not available until after I send back signature card – rep didn’t mention any issues though!)

” (at least I think… the account funds are not available until after I send back signature card ”

is this true?

I live in MO and i did exactly what you did. I opened my account over phone, was told with email matching no need for promo code. and i funded with my QS 1000$. I also transfered 500 from paypal. 1000$ posted on my credit card as purchase but has not yet showed up on regions checking account. However 500$ from paypal showed a day later and was available immediately. it was ‘available balance’. so i assumer the funds can be used. no mention of any signature card though. perhaps will receive in mail. i already paid bills with the available 500$ . i have no idea that funds are not available until after signature card is sent back. can you clarify this, how do you know this?

ok never mind. i forgot that i esigned the documents when they sent me an email with the link for documents. so basically i signed and returned the signature card electronially the same day i opened the account. that is why my funds are available for use.

Applied online and on a Friday. They called me the following Monday and then I remembered to call them back Thursday. They informed me they didn’t hear from me and they closed my account on that Wednesday…

So make sure you call them back right away or they’ll close your account. (Which they can’t reopen)

I haven’t reached 120 days yet, but I applied for the $300 bonus in branch back in May. At the time, I only had $40 cash on me, but the banker let me open anyway and just said I could deposit more later. Now that it’s getting closer to 120 days, I’m wondering if I made a mistake by not opening with $50. Any chance I’ll end up SOL if I have to end up SMing to escalate (terms don’t specify $50 for bonus, just for opening account)? I made the required debit transactions each month since so I’m not skirting legit DD rules or anything.

Here are few details that might help you.
Opening over phone is very easy if online does not work for you.
After you open the account ask for esigning of documents this way you can e sign the signature card instead of waiting for it to come in the mail.
You can fund up to 1000$ with credit card and Capital one codes as purchase.
initial funding may take 2 to 3 days to available but If you transfer via paypal, you will have access to it in one day. And Paypal transfer codes as ‘electronic deposit’. But i am not sure if this counts
towards direct deposit or not. You can try this for data point or transfer from Serve, Capital one 360 which work as direct deposit for bonus.
I have read that amazon .50 cents gift card uploads work for 10 debit card transactions.
In my other credit union, Google wallet codes as debit transaction so you can try this as well.

In the post you mention one of the requirements is a SINGLE $500 ACH or direct deposit. The language on the Regions web-page reads that it can be any number of deposits as long as they add up to $500 in 60 days.

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